Jul 11, 2023

What is Considered a Breach of Fiduciary Duty?

Breaches of fiduciary duty are unfortunately common. Given that fiduciary duty is the highest legal standard of care, any failure to uphold this responsibility can have severe consequences for those who have been entrusted with a fiduciary duty. In this article, we will cover what is a breach of fiduciary duty, common examples, and whether or not you have a legal claim. An investment loss recovery attorney can help you take action against a fiduciary who has acted negligently or wrongly. What is a Breach of Fiduciary Duty? Breach of fiduciary duty occurs when an individual, such as a financial advisor, that has been entrusted with managing the affairs of another fails to act in good faith and is negligent or malicious in their duties. Investment loss? Let’s talk. or, give us a ring at 561-338-0037. A fiduciary is bound to act in the best interests of their client, and when they fail to do so, it can lead to significant financial losses. If you believe you are dealing with investment loss due to a breach of fiduciary duty, you should strongly consider hiring an investment loss attorney. The quicker you reach out, the quicker you can begin the process of recovery. The Law Offices of Robert Wayne Pearce, P.A., offers free consultations. Give us a call at (800) 732-2889. Let’s discuss your case and see what we can do to help you get the compensation you need and deserve. Four Elements of a Breach of Fiduciary Duty Case To prove a breach of fiduciary duty, four key elements must be demonstrated: the existence of a fiduciary duty, a violation of that duty, resulting harm, and a causal connection between the breach and the harm. Duty – There Exists a Fiduciary Duty There must be an established fiduciary relationship between you and the other party for the fiduciary to owe you a duty. To hold a fiduciary accountable to their standard of care, it is essential to demonstrate that they knowingly accepted the role. This is typically shown through a written agreement between the parties, such as a customer agreement. Breach – There Was a Violation of This Duty Fiduciaries are required to work in the best interests of their clients, and any deviation from this standard may constitute a breach. To demonstrate a breach of fiduciary duty, one must have evidence that the individual holding this responsibility acted negligently or maliciously—or prioritized their own interests over yours. This can include lost investments, diminished value of your assets, outright theft, decisions made without your consent, or failure to carry out one’s fiduciary responsibility. You can also prove a breach through the fiduciary’s failure to act—for example, not disclosing a conflict of interest. It is best to speak with an investment fraud lawyer to determine if your fiduciary failed in their responsibility and contributed to your losses. Damages – The Breach of Duty Resulted in Harm to You For there to be a legitimate claim of breach of fiduciary duty, the breach must have caused you to suffer damages. Proving there was a breach is not enough for a valid claim of breach of fiduciary duty. Unless you can demonstrate how the violation of fiduciary duty directly caused you to suffer damages, your claim may not be successful. Damages can be either economic or non-economic, such as mental anguish.  Causation – There is a Connection Between the Breach and the Harm There must be a direct link between the fiduciary’s breach and harm to you. If you incurred damages that cannot be connected to the individual’s breach, your claim may not be successful. Breach of Fiduciary Duty Examples Breaches of fiduciary duties can take many forms. A fiduciary must act in the best interests of their client. When they fail to do so, serious harm can result. Examples of a breach of fiduciary duty include misrepresentation or failure to disclose information, excessive trading, unsuitable investments, failure to diversify, and failure to follow instructions. Misrepresentation or Failure to Disclose Information If a financial advisor does not present a client with all material information about an investment, this is a breach of fiduciary duty. Material information is what a reasonable investor would consider important when deciding whether to invest.  Sometimes financial advisors will mislead investors by omitting information, such as risk factors or any negative information about a stock.  Excessive Trading Excessive trading, also known as churning, in your account is a breach of fiduciary duty. Financial advisors will make large numbers of trades solely to generate more commissions for themselves.  Unsuitable Investments Financial advisors must “know their customer” before making investment recommendations. This includes understanding the client’s investment objectives, risk tolerance, time horizon, financial standing, and tax status. The advisor breaches their fiduciary duty if they make an unsuitable investment, even with the best intentions.  Failure to Diversify Your financial advisor must recommend a mix of investments so that your assets are properly allocated among various asset classes and industries. Failing to diversify your portfolio puts you in a position of great risk and is a breach of fiduciary duty. If your assets are over-concentrated in a particular stock or sector, you may experience significant losses if the company or industry does not perform well.  Failure to Follow Instructions When you give instructions to your financial advisor, they have the fiduciary duty to promptly perform your orders. If your advisor fails to follow your instructions in a timely manner and you suffer financial losses, you can recover. Can You Pursue a Lawsuit for a Breach of Fiduciary Duty? Yes, you can pursue a lawsuit for a breach of fiduciary duty. You will need to speak with an investment fraud lawyer to determine if your fiduciary failed in their responsibility and contributed to your losses. It is important that you prove there was a breach, damages were caused, and the breach was directly connected to the harm you suffered in order for your lawsuit to be successful. Do you believe you’ve been the victim of a breach of fiduciary duty? Don’t wait – contact an experienced investment fraud attorney as soon as possible to learn more...

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2 de novembro de 2022

O que é a má prática do consultor financeiro?

As an investor, you expect your financial advisor to properly manage your investment portfolio. Unfortunately, this is not always what happens. Financial advisors owe their clients certain obligations with respect to their investment accounts. Failure to adhere to these obligations can result in a claim for financial advisor malpractice. In certain circumstances, the financial fraud committed by your financial advisor will be obvious. For example, if your financial advisor forged your signature on a document, he or she clearly committed misconduct. However, most financial malpractice claims are not this straightforward.  The securities attorneys at The Law Offices of Robert Wayne Pearce, P.A., have helped hundreds of investors recover losses caused by financial advisor malpractice. Contact us today for a free consultation. What Is Financial Advisor Malpractice? Financial advisor malpractice is a term that refers to a financial advisor’s failure to satisfy the fiduciary standards and obligations that are in place to protect investors. As fiduciaries, financial advisors are legally bound to act in their clients’ best interests and not exploit them for personal gain. Need Legal Help? Let’s talk. or, give us a ring at 561-338-0037. In some cases, financial advisor malpractice can be straightforward. Fabricating documents, forging a client’s signature, or lying to a client about the status of an investment are all examples of clear financial advisor malpractice. Other times, it can be more subtle and difficult to identify. As such, most investors become aware that they’ve been the victim of financial advisor malpractice only when their investments start to decline in value. This is often after it’s too late to recoup their losses, as the trusted advisor has already moved on to work with new clients who have yet to suffer the same fate. Note: If you believe you are a victim of financial advisor malpractice or investment fraud, the securities fraud lawyers at The Law Offices of Robert Wayne Pearce, P.A. can help. We have a history of successfully recovering financial losses for clients who have been hurt by unethical or fraudulent practices. Contact us today at (800) 732-2889 or fill out one of our short contact forms. What Are My Financial Advisor’s Obligations and Duties to Me?  Registered financial advisors must adhere to certain fiduciary duties, or obligations, with respect to their clients. Financial advisors who are not registered and are not making securities recommendations to retail customers still owe their clients certain obligations, but they are not as stringent as fiduciary duties. Fiduciary Duties Registered investment advisors are bound by fiduciary duties to their clients. The Investment Advisers Act of 1940 defines the role and responsibilities of investment advisors. At its core, the purpose of this act was to protect investors.  A financial advisor owes their client a duty of care and a duty of loyalty. The Securities and Exchange Commission (SEC) interprets these fiduciary duties to require a financial advisor to act in the best interest of their client at all times. The SEC provides additional guidance for each fiduciary duty specifically. The duty of care requires that an investment advisor provide investment advice in the client’s best interest, in consideration of the client’s financial goals. It also requires that a financial advisor provide advice and oversight to the client over the course of the relationship. The duty of loyalty requires an investment advisor to disclose any conflicts of interest that might affect his or her impartiality. It also means that the financial advisor is prohibited from subordinating his or her client’s interests to their own. Related Read: The Most Common Examples of Breach of Fiduciary Duty (And What to Do) The Suitability Rule Broker-dealers in the past were subject to less demanding obligations.  The Financial Industry Regulatory Authority (FINRA) regulates broker-dealers in the United States. FINRA previously imposed a suitability obligation on broker-dealers that only required them to make recommendations that were “suitable” for their clients.  Under the suitability rule, a broker-dealer could recommend an investment only if it was suitable for the client in terms of the client’s financial objectives, needs, and risk profile. Broker-dealers did not owe a duty of loyalty to their clients and did not have to disclose conflicts of interest.  Recently, however, FINRA amended its suitability rule. Regulation Best Interest FINRA recently amended its suitability rule to conform with SEC Regulation Best Interest (Reg. BI), making it clear that stockbrokers now uniformly owe certain heightened duties when making recommendations to retail customers.  As with fiduciary duties, under Reg. BI, all broker-dealers and their stockbrokers now owe the following duties:  Disclosure,  Care,  Conflicts, and  Compliance.  However, it’s important to remember that they owe these duties only when they make recommendations regarding a securities transaction or investment strategy involving securities to a retail customer.  While these changes are still new, one thing is certain—the Reg. BI standard is definitely a heightened standard compared with the previous suitability standard.  Forms of Financial Advisor Malpractice Investors usually hire financial advisors because they do not have experience in investing. With this lack of experience, how can an investor know when a financial advisor is committing malpractice? There are several ways financial advisors can commit financial malpractice. Lack of Diversity Financial advisors have a duty to ensure your investment portfolio is properly diversified to include a variety of investment assets. That may include a mixture of stocks, bonds, or mutual funds in multiple different sectors.  A portfolio that lacks diversification is likely to result in significant losses to the client in the event of a market downturn in a specific sector. If you believe your financial advisor failed to properly diversify your portfolio, contact a securities attorney today. The attorneys at The Law Offices of Robert Wayne Pearce, P.A., have significant experience handling these types of cases and will ensure the financial advisor responsible for your losses is held accountable.  Your Investments Are Unsuitable Every investor is unique. That means financial advisors must consider the specific goals and needs of each individual client before recommending investments. A financial advisor must consider a client’s risk...

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22 de agosto de 2022

O que fazer quando um assessor financeiro rouba dinheiro de você

Financial advisors are highly trusted professionals who help make decisions that impact your economic future. When that trust is broken through a bad or negligent act, the investor suffers and the financial advisor must be held accountable. When you’re looking at your investment losses, in the worst-case scenario, you may be asking yourself if a financial advisor can steal your money. Can Financial Advisors Steal Your Money? Yes, an unethical financial advisor can be in a position to steal money from you, especially if you have given them direct access to your money. Because of this, a vast majority of reputable financial advisors never take ownership of your money to protect your best financial interests. Need Legal Help? Let’s talk. or, give us a ring at 561-338-0037. It is recommended that you always keep control over your investments and never give any financial advisor full discretion over your accounts. Giving an advisor direct access allows them to steal money with ease. Avoid doing so unless you’re 100% confident in the individual you’re dealing with. Note: If you believe your financial advisor stole your money, there are several options for you to recover. We recommend speaking with an experienced investment fraud lawyer to learn more about your rights and how you may recover your losses. The Fiduciary Duty of a Financial Advisor All financial advisors are held to a standard of care when dealing with investors. Registered financial advisors have a higher fiduciary duty to their clients under the Investment Advisers Act of 1940. This is the highest legal standard of care and requires financial advisors to act in the best interest of their clients, make suitable investments, and disclose relevant information to you.  Knowing whether your financial advisor is registered with the U.S. Securities and Exchange Commission (SEC) or a state securities regulator is important because if the advisor breaches the fiduciary duty, you can bring a claim against the financial advisor through the Financial Industry Regulatory Authority (FINRA). FINRA is the governing organization that creates and enforces rules for advisors and their firms and assists in resolving disputes between advisors and investors.  Do You Have a Claim? If your financial advisor outright stole money from your account, this is theft. These cases involve an intentional act by your financial advisor, such as transferring money out of your account. However, your financial advisor could also be stealing from you if their actions or failure to act causes you financial loss.   Losing money through investment is not enough to bring a claim against your financial advisor. Remember, there is no guarantee of return when investing. Even if your financial advisor made the recommendation, under federal securities law and FINRA regulations, you cannot hold your advisor liable simply because they lost you money. You need a viable cause of action, such as a breach of fiduciary duty, negligence, or malpractice. Types of Claims Against Your Financial Advisor  Understanding securities law and FINRA regulations are crucial to know whether you have a valid claim against your financial advisor. The investment loss recovery attorneys at The Law Offices of Robert Wayne Pearce P.A. have over 40 years of experience in securities and investment law. They have helped countless investors recover their financial losses caused by bad or negligent acts by their financial advisors. The Law Offices of Robert Wayne Pearce P.A. have handled hundreds of cases involving many types of misconduct by financial advisors. Negligence In a negligence claim, you do not need to show that the financial advisor intentionally acted in a harmful way, but rather that the advisor failed to do something they had an obligation to do and caused the economic loss. For example, your advisor may have made an unsuitable investment by failing to take into consideration your risk tolerance. If you lost money based on the recommended investment, it may be appropriate to file a claim for negligence against your financial advisor.  Breach of Fiduciary Duty A financial advisor who breaches his fiduciary duty has failed to meet the required standard of care. You may have a valid claim for breach of fiduciary duty if your advisor failed to execute your stated objectives or did not disclose information about a product. Other examples of breaching the fiduciary duty include: In each of these instances, the financial advisor did not act in your best interest.  Failure to Supervise A brokerage firm is responsible for supervising the actions of its financial advisors and any other employees. If the firm fails to do this, it can be held liable for your financial losses.  What You Can Do There are several stages of resolution to recover your financial losses. Depending on the facts of your case, you may be able to resolve it and recover without any formal proceedings, or you may have to litigate. The attorneys at The Law Offices of Robert Wayne Pearce P.A. have helped investors in all stages and have successfully recovered over $170 million in losses for our clients.  Review Customer Agreement If you believe your financial advisor stole money from you, either directly or indirectly through losses in your account, you should first review your customer agreement. Understand what sort of authority you gave your financial advisor and if there is a mandatory arbitration clause. This clause is common in most customer agreements with brokerage firms. These clauses often state that you waive your right to file a lawsuit against your advisor and agree to engage in a FINRA arbitration proceeding instead.  Informal Dispute Resolution Claims against financial advisors are incredibly complex legal matters. There are informal options available, however. Even at this stage, you should contact an investor loss recovery attorney for assistance. FINRA, which regulates the investment industry, instructs investors to first pursue informal dispute resolutions before filing a claim against their financial advisor.  Depending on the severity of the financial advisor’s misconduct, you may be able to resolve the matter directly with your advisor or the firm’s compliance department. If this is not suitable...

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10 de setembro de 2020

Linhas de crédito com garantia pode ser mais perigosa do que as contas com margem

Many investors have heard of margin accounts and the horror stories of others who invested on margin and suffered substantial losses. But few investors understand that securities-backed lines of credit (SBL) accounts, which have been aggressively promoted by brokerage firms in the last decade, are just as dangerous as margin accounts. This is largely due to the fact that the equity and bond markets have been on an upward trend since 2009 and few investors (unless you are a Puerto Rico investor) have experienced market slides resulting in margin calls due to the insufficient amount of collateral in the SBL accounts. Securities-Backed Lines of Credit Overview It is only over the last several months of market volatility that investors have begun to feel the wrath of margin calls and understand the high risks associated with investing in SBL accounts. For investors considering your stockbroker’s offer of a line of credit (a loan at a variable or fixed rate of interest) to finance a residence, a boat, or to pay taxes or for your child’s college education, you may want to read a little more about the nature, mechanics, and risks of SBL accounts before you sign the collateral account agreement and pledge away your life savings to the brokerage firm in exchange for the same loan you could have obtained from another bank without all the risk associated with SBL accounts. First, it may be helpful to understand just why SBL accounts have become so popular over the last decade. It should be no surprise that the primary reason for your stockbroker’s offering of an SBL is that both the brokerage firm and he/she make money. Over many years, the source of revenues for brokerage firms has shifted from transaction-based commissions to fee-based investments, limited partnerships, real estate investment trusts (REITs), structured products, managed accounts, and income earned from lending money to clients in SBL and margin accounts. Many more investors seem to be aware of the danger of borrowing in margin accounts for the purposes of buying and selling securities, so the brokerage firms expanded their banking activities with their banking affiliates to expand the market and their profitability in the lending arena through SBL accounts. The typical sales pitch is that SBL accounts are an easy and inexpensive way to access cash by borrowing against the assets in your investment portfolio without having to liquidate any securities you own so that you can continue to profit from your stockbroker’s supposedly successful and infallible investment strategy. Today the SBL lending business is perhaps one of the more profitable divisions at any brokerage firm and banking affiliate offering that product because the brokerage firm retains assets under management and the fees related thereto and the banking affiliate earns interest income from another market it did not otherwise have direct access to. For the benefit of the novice investor, let me explain the basics of just how an SBL account works. An SBL account allows you to borrow money using securities held in your investment accounts as collateral for the loan. The Danger of Investing in SBL Accounts Once the account is established and you received the loan proceeds, you can continue to buy and sell securities in that account, so long as the value of the securities in the account exceeds the minimum collateral requirements of the banking affiliate, which can change just like the margin requirements at a brokerage firm. Assuming you meet those collateral requirements, you only make monthly interest-only payments and the loan remains outstanding until it is repaid. You can pay down the loan balance at any time, and borrow again and pay it down, and borrow again, so long as the SBL account has sufficient collateral and you make the monthly interest-only payments in your SBL account. In fact, the monthly interest-only payments can be paid by borrowing additional money from the bank to satisfy them until you reach a credit limit or the collateral in your account becomes insufficient at your brokerage firm and its banking affiliate’s discretion. We have heard some stockbrokers describe SBLs as equivalent to home equity lines, but they are not really the same. Yes, they are similar in the sense that the amount of equity in your SBL account, like your equity in your house, is collateral for a loan, but you will not lose your house without notice or a lengthy foreclosure process. On the other hand, you can lose all of your securities in your SBL account if the market goes south and the brokerage firm along with its banking affiliate sell, without prior notice, all of the securities serving as collateral in the SBL account. You might ask how can that happen; that is, sell the securities in your SBL account, without notice? Well, when you open up an SBL account, the brokerage firm and its banking affiliate and you will execute a contract, a loan agreement that specifies the maximum amount the bank will agree to lend you in exchange for your agreement to pledge your investment account assets as collateral for the loan. You also agree in that contract that if the value of your securities declines to an amount that is no longer sufficient to secure your line of credit, you must agree to post additional collateral or repay the loan upon demand. Lines of credit are typically demand loans, meaning the banking affiliate can demand repayment in full at any time. Generally, you will receive a “maintenance call” from the brokerage firm and/or its banking affiliate notifying you that you must post additional collateral or repay the loan in 3 to 5 days or, if you are unable to do so, the brokerage firm will liquidate your securities and keep the cash necessary to satisfy the “maintenance call” or, in some cases, use the proceeds to pay off the entire loan. But I want to emphasize, the brokerage firm and its banking affiliate, under the terms of almost all SBL account agreements,...

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1º de setembro de 2020

Investidores com Linha de Crédito "Blown-Out" e Contas de Margem "Blown-Out": Como você recupera suas perdas de investimento?

Se você está lendo este artigo, estamos supondo que teve uma experiência ruim recentemente, seja em uma linha de crédito garantida por títulos ("SBL") ou em uma conta margem que sofreu chamadas de margem e foi liquidada sem aviso prévio, fazendo com que você percebesse perdas. Normalmente, os investidores com chamadas de margem recebem 3 a 5 dias para atendê-los; e se isso acontecesse, o valor dos títulos em sua conta poderia ter aumentado dentro desse período e a firma poderia ter apagado a chamada de margem e poderia não ter liquidado sua conta. Se você for um investidor que tenha experimentado chamadas de margem no passado, e esta é sua única reclamação então, não leia mais porque quando você assinou o acordo de conta com a corretora com a qual você escolheu fazer negócios, você provavelmente deu a ela o direito de liquidar todos os títulos em sua conta a qualquer momento sem aviso prévio. Por outro lado, se você é um investidor com pouca experiência ou com uma condição financeira modesta que foi convencido a abrir uma linha de crédito de títulos sem ser avisado sobre a verdadeira natureza, mecânica e/ou riscos de abrir tal conta, então você deve nos ligar agora! Alternativamente, se você é um investidor que precisava retirar dinheiro para uma casa ou para pagar seus impostos ou educação de seus filhos, mas foi convencido a manter uma carteira de ações e/ou junk bonds de risco ou concentrada em uma conta garantida por uma linha de crédito ou uma conta margem, então provavelmente podemos ajudá-lo a recuperar suas perdas de investimento também. A chave para uma recuperação bem sucedida de sua perda de investimento é não se concentrar na liquidação dos títulos em sua conta pela corretora sem aviso prévio. Em vez disso, o foco em seu caso deve estar no que lhe foi dito e se a recomendação foi adequada para você antes de abrir a conta e sofrer a liquidação.

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15 de agosto de 2020

UBS Yield Enhanced Strategy Investors: Como você recupera suas perdas de investimento "UBS-YES"?

Se você está lendo este artigo, provavelmente investiu na estratégia UBS Yield Enhanced Strategy ("UBS-YES") e ficou surpreso ao saber que o programa UBS-YES no qual você investiu não era exatamente uma estratégia de investimento "neutra de mercado" durante o recente crash do mercado COVID 19. Apesar das representações de seu corretor UBS sobre a capacidade dos gestores do UBS-YES de "gerenciar riscos" e "minimizar perdas" através de sua estratégia de opção "condor de ferro", você ainda percebeu perdas substanciais. Você não está sozinho porque isso é exatamente o que muitos outros investidores do UBS-YES nos disseram sobre o passo dado a eles para investir no programa UBS-YES e sua experiência recente.

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5 de agosto de 2020

UBS Financial Services, Inc. Sued for Florida e Ohio Advisor's Alleged Misconduct Involving a Credit-Line Investment Strategy

UBS Financial Services, Inc, ("UBS") empregou um consultor financeiro (o "FA") que tem escritórios em Bonita Springs, Flórida e Sylvania, Ohio. O UBS tinha a FA e outros funcionários do UBS em sua equipe como consultores de investimentos, gerentes de investimentos, assessores financeiros e planejadores financeiros com habilidades especiais e experiência na gestão de carteiras de títulos e assuntos financeiros, patrimoniais, aposentadoria e planejamento tributário.

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1 de julho de 2020

Regulamento de melhor interesse (Reg. BI): Melhor, mas não o Melhor!

Finalmente, dez anos após a Reforma de Dodd Frank Wall Street e a Lei de Proteção ao Consumidor de 2010 (Dodd-Frank) ter sido promulgada para provocar mudanças radicais no setor de valores mobiliários, a melhor regulamentação que a Comissão de Valores Mobiliários dos Estados Unidos ("SEC") poderia aprovar, a SEC Regulation Best Interest, é agora a lei que rege os corretores de valores mobiliários que dão consultoria de investimento aos clientes de varejo. Embora a SEC tivesse autoridade para impor um padrão uniforme e expansivo de "Dever Fiduciário" em todo o país aos corretores - corretores e consultores de investimento, ela cedeu às exigências do setor de corretagem de ações e decretou a Regulação de Melhor Interesse ("Reg. BI"), que é melhor que a Autoridade Reguladora do Setor Financeiro ("FINRA") "Regra de Adequação", mas não a melhor que poderia ter sido feita para proteger os investidores. No mês passado, a FINRA emendou sua Regra de Adequação para estar em conformidade com o SEC Reg. BI e deixou claro que os corretores de bolsa agora uniformemente têm deveres relacionados à divulgação, cuidado, conflitos e conformidade, que são equivalentes ao padrão da lei comum "dever fiduciário" ao fazer recomendações aos clientes de varejo. Veja, FINRA Regulatory Notice 20-18. 1

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1 de julho de 2020

FINRA Arbitragem: O que esperar e por que você deve escolher nosso escritório de advocacia

Se você está lendo este artigo, provavelmente é um investidor que perdeu uma quantia substancial de dinheiro, pesquisou no Google "FINRA Arbitration Lawyer", clicou em vários sites de advogados, e talvez até falou com um chamado "Securities Arbitration Lawyer" que lhe disse após um telefonema de cinco minutos que "você tem um grande caso"; "você precisa assinar um contrato de retenção com base em 'taxa de contingência'"; e "você precisa agir agora porque o estatuto de limitações vai funcionar".

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20 de agosto de 2019

Os escritórios de advocacia de Robert Wayne Pearce, P.A. ganham o prêmio $6 milhões mais contra o UBS e UBS Porto Rico

Em um processo de arbitragem contra o UBS Financial Services, Inc. (UBS) e UBS Financial Services, Inc. de Porto Rico (UBS-PR), os escritórios de advocacia de Robert Wayne Pearce, P.A. ganharam US$ 4,25 milhões em danos compensatórios mais juros de 6,25% a partir de 28 de fevereiro de 2014 e custos de US$ 170.000 para um dos clientes do escritório no mês passado. Um resumo das alegações de nossos clientes contra o UBS e o UBS-PR é apresentado abaixo. Se você ou qualquer membro de sua família recebeu recomendações inadequadas similares do UBS-PR e seus corretores, ou se encontrou com uma conta superconcentrada em títulos municipais de Porto Rico e/ou fundos de títulos fechados, ou se você tomou dinheiro emprestado do UBS e usou seus investimentos como garantia de empréstimo, talvez possamos ajudá-lo a recuperar suas perdas. Contate nosso escritório o mais rápido possível para uma consulta gratuita sobre seu caso. O tempo é essencial!

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